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Fees & charges
Joining fee₹2,500
Annual fee₹2,500
Fee waiverWaived at ₹4L spend
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of the amount withdrawn or ₹500, whichever is higher
Late payment fee
| <=₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹500 |
| ₹1,001 to ₹5,000 | ₹600 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25,001 to ₹50,000 | ₹1100 |
| More than ₹50,000 | ₹1300 (excl. GST, w.e.f 1st Oct 2025) |
Rewards & Lounge access
Rewards4 Reward Points per Rs.150 on retail spends; 20 Reward Points per Rs.150 at select partner outlets (Marks & Spencer, Myntra, Reliance Digital, Nykaa)
Lounge access3 domestic lounge visits per quarter (on spends of Rs.60,000 in preceding quarter); up to 6 international lounge accesses via Priority Pass for primary and add-on member
NetworkVisa/Mastercard
CategoryPremium
Card typeRetail
Key features
- 4 Reward Points per Rs.150 on retail spends; 20 Reward Points per Rs.150 at select partner outlets (Marks & Spencer, Myntra, Reliance Digital, Nykaa)
- 3 domestic lounge visits per quarter (on spends of Rs.60,000 in preceding quarter); up to 6 international lounge accesses via Priority Pass for primary and add-on member
- Rs.2,500 gift voucher; complimentary Swiggy One and MMT Black Gold membership